Severe storms can cause extensive property damage, leaving homeowners and business owners struggling to recover. Whether it’s hurricane damage, windstorm destruction, or hail damage, filing an insurance claim should provide financial relief—but many policyholders face denied, delayed, or underpaid claims.
Understanding your rights and taking the right steps can maximize your settlement and ensure you get the compensation you deserve.
What Does Storm Damage Insurance Cover?
Insurance coverage for storm damage varies based on your policy. Most homeowners’ and commercial insurance policies cover:
✔️ Roof damage from high winds, hail, or debris
✔️ Structural damage to walls, windows, and doors
✔️ Flooding (if covered by a separate flood insurance policy)
✔️ Water damage from leaks caused by storm-related roof damage
✔️ Loss of business revenue due to storm-related closures
However, many policies exclude certain types of damage, such as flooding, unless you have additional coverage. It’s crucial to review your policy or consult an insurance claim lawyer if you’re unsure about what’s covered.
Steps to Take After Storm Damage
1️⃣ Document the Damage Immediately
- Take clear, high-resolution photos and videos of all damage.
- Include timestamps and different angles to show the full extent of the loss.
- Keep a record of damaged belongings and structural issues.
2️⃣ Prevent Further Damage
- Most insurance policies require mitigation efforts, such as covering exposed areas with tarps or boarding up broken windows.
- Failing to protect your property can reduce your claim payout.
3️⃣ Report the Claim Quickly
- Texas law requires insurers to process claims within a specific timeframe.
- Delaying your claim can give the insurance company a reason to deny it.
4️⃣ Get an Independent Inspection
- Insurance adjusters work for the insurance company and may undervalue your claim.
- Hiring an independent contractor or public adjuster can ensure an accurate damage assessment.
5️⃣ Don’t Accept a Low Settlement
- Insurance companies often start with a lowball offer.
- Carefully review all settlement offers before signing anything.
- If the offer is too low, you have the right to negotiate or take legal action.
6️⃣ Consult a Storm Damage Lawyer
- If your claim is denied, delayed, or underpaid, a lawyer can fight for fair compensation.
- Learn more about storm and weather damage claims at Zar Law Firm.
Common Reasons for Storm Damage Claim Denials
🚩 Insurance company claims the damage is pre-existing
🚩 Insufficient documentation provided by the policyholder
🚩 Policy exclusions for certain types of storm damage
🚩 Delayed claim submission leading to claim rejection
🚩 Disputes over repair costs and undervalued settlements
If your claim has been denied unfairly, you may have grounds for a bad faith insurance lawsuit.
How an Insurance Lawyer Can Help
✅ Review your policy and determine coverage
✅ Negotiate a higher settlement with the insurance company
✅ Challenge wrongful claim denials or delays
✅ Represent you in legal action if the insurer acts in bad faith
At Zar Law Firm, we help homeowners and business owners secure the compensation they’re owed. If your insurance company isn’t treating you fairly, we’ll fight for your rights.
Conclusion: Protect Your Rights After a Storm
Dealing with storm damage is stressful enough—don’t let insurance companies make it harder. By acting quickly, documenting everything, and seeking legal guidance when needed, you can maximize your claim payout and recover faster.
📞 Need help with a storm damage claim? Contact Zar Law Firm today for a free consultation!
